thought of advising you for mbb2cards but since you have been rejected 3 times...
you may go for aeon watami 3% cash rebate with max rm150 cash rebate per quarter.
one of the requirement is to swipe minimum rm3k in a quarter (any day and anything except for petrol) to qualify for the 3% cash rebate.

1. Annual Income: < 150k

2. Free Lifetime Annual Fee: preferable Free

3. Card required for: Travel Perks (Priority Pass is better)

4. Existing credit cards if any: Maybank 2 Card Plat / UOB Preferred Plat

5. Looking at CC from: Citi Premier Amex / Alliance Premier or something...

6. Others: Plan to replace my UOB plat instead since I can use my Maybank2card for local spending and another for travelling instead...

for Annual Income RM150K, yes Alliance Premier Visa Infinite gives you Unlimited entries to airport lounges with their Priority Pass Membership Card. And it also earns you 2X Reward Points for every RM1 spend locally. But the foreign currency conversion rate may be high. Annual Fee waived with RM30K spending for non PB.

As for Citi Premier AMEX, it does not come with Priority Pass Membership Card but it does offer FREE taxi ride from KLIA (T&C Applies).

If for KLIA only, Alliance Platinum gives you Unlimited access. Annual Fee waived with 12 swipes.

Click here to read my article The Top 10 Vest Credit Cards in Malaysia

Click here to read my article The Best Credit Cards for FREE Entries to Airport Lounges

The Best Credit Cards for Overseas Transactions where I will show you Alliance Visa overseas conversion rate is amongst the highest!

1. Annual Income: hmm.. this should not be an issue

2. Free Lifetime Annual Fee: not compulsory, i know how to talk to the bank

3. Card required for: highest cashback for groceries and petrol with highest cashback limit per month.

4. Existing credit cards if any: Citi Prestige, Maybank VISA Infinite (Non Manchester United)

5. Looking at CC from: any bank as long as it is not one of those stupid banks such as hong leong which does not have e-statements.

6. Others: i want no frills maximum cashback cards. i don't want frills that such as low interest rates, free gifts, combined GST, priority pass, plaza premium and all those stuff as my existing cards already offer those benefits.

thank you very much for everyone who gives suggestions.

Click here to read my article The Best Cash Back Credit Cards in Malaysia. But, the bank that gives the highest cash back is from the so called stupid bank you mentioned, hahaha.

This post has been edited by Gen-X: Feb 23 2014, 11:32 PM

1. Annual Income: RM30K to RM36K

2. Free Lifetime Annual Fee: No.

3. Card required for: Petrol, Groceries, Bill Payment

4. Existing credit cards if any: Nil.

5. Looking at CC from: Standard Chartered

6. Others: I am a fresh graduate who started working. How many month payslip required?

best entry-level with cashback is Maybankard 2 Cards

some reading from Gen-X http://generationsxyz.blogspot.com/2012/02...an-express.html

from M2U http://www.maybank2u.com.my/mbb_info/m2u/p...sonal/CRD-Cards

if your pay goes into Maybank, it'd easier for them to check. since you dont have any prior payslips, get ready your appointment letter as backup.

this may take time to adjust, but use Amex whenever possible.

Since my salary goes into maybank, does the bank need my payslip again. So, will I get two cards then?

yes, they still need your 3 months payslip.
yes, you will get 2 cards if you apply for mbb2cards.
for more features and benefits of these 2 cards: https://forum.lowyat.net/topic/3140027

1. Annual Income: RM36K to RM60K

2. Free Lifetime Annual Fee: Prefer it free

3. Card required for: Cash back/Rebate, Ezy payment. Airmile is a plus

4. Existing credit cards if any: CITIBANK sub from parents

5. Looking at CC from: Maybank, cimb

6. Others: Going to spend a big sum soon on a phone, want to pay it in installment

Best entry level card to suit - Maybank2Card

5X Treat Points (TP) for usage on Amex anytime.

5% (Max RM50/month) rebate on weekend for Amex

Amex accepted in major store (Senheng, Harvey Norman, Apple, Telco) with no extra charges, some even with 0% interest installment plan

Airmile - 7000 TP to 1000 Enrich Miles

Got rejected when apply maybank2card last year. Will try again after 6 months.

btw, applying credit card need to pay rm50 to the government right? is there anyway I can have this fee waived?

GST? Yes this is for all CC.

Bro you save Rm600 from rebate per year, what is RM50? (That is if you utilize 100% of your rebate monthly)

Some bank do offset GST but not Maybank.

unless i spend every single thing using CC. the GST is one off right? I want to apply already later

GST is per year charge

Hi Dear sifus, I would like to get you guys to suggest me a card here

1. Annual Income: RM24K to RM30K

2. Free Lifetime Annual Fee: I don't think I need since I'm using it for one go and installment only.

3. Card required for: Strictly for installment only. if can 12months (after pay for item i want I might potong card.)

4. Existing credit cards if any: nope

5. Looking at CC from: CIMB, cause easy to pay from my cimbclicks I assume.


Thanks in advance guys

99% of Bank in Malaysia do Provide Flexi Payment (Installment) Plan to Cardholder...
Do Search the Card that Suited U Best from CIMB Most of their Cards were Free for Life with NO Annual Fee: http://www.cimbbank.com.my/creditcard/

This post has been edited by fly126: Feb 28 2014, 02:21 AM

Hi Dear sifus, I would like to get you guys to suggest me a card here

1. Annual Income: RM 100k

2. Free Lifetime Annual Fee: Why Not

3. Card required for: Payment of electricity bill to TNB amounting RM 10k per month

4. Existing credit cards if any: Maybank 2 card (Amex + Visa)

5. Looking at CC from: Anyone that give me best points / cash back

Thanks in advance guys

HLB Wise, 10% rebate capped RM100/month

Aeon Watami, 3% rebate capped RM150/3 months.

Others just use Amex to pay to get 5x treat points and 5% rebate (RM50/month)